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Overconfident American
RE: Drop that Big Mac

HRE wrote:

If you've been buying health insurance you've been paying for other people's health woes anyway.


I wonder...is everyone who resists the idea of helping pay for other people's insurance entirely capable of covering their medical expenses out of pocket?

How exactly does this free market idea work? OK, so people get insurance from their employer as a "benefit." But let's say someone who has worked at one of these benefits-providing jobs for 10 years suffers from a catastrophic accident or illness and suddenly has a $75K medical bill (not unheard of, unfortunately). This person, who has an individual rather than a family policy, has not paid even close to this much into the system through his premiums over a 10 year period. Not even close to a quarter, in fact. Does such a person suddenly change his mind about the idea of risk pool based insurance? Or does he offer to pay tens of thousands of dollars out of his own pocket?

If this were really as simple as "Why should I fund some fat smoker's lifestyle" and not an issue of a mercenary insurance and medical model.

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